《大行報告》花旗:內銀股第三季盈利穩固 首選郵儲銀行(01658.HK)及招行(03968.HK)
花旗發表報告指,該行追蹤的17間內銀第三季撥備前營運溢利按年增長10.1%屬穩固,增幅加速,主要由於資產負債表擴張、手續費收入增長,及交易收入所致。稅後盈利按年增長14.6%,主要受惠於較低撥備。郵儲行(01658.HK)、寧波銀行(002142.SZ)及南京銀行(601009.SH)稅後盈利高於預期,浦發銀行(600000.SH)及民生銀行(01988.HK)則遜預期。南京銀行同時錄得內銀之中最高單季撥備前營運溢利增幅,達45.9%,民行按年倒退4.1%則為最弱。寧波銀行稅後盈利按年增長39.7%為行內最高,最弱則為按年倒退25.9%的浦發銀行。
該行指,內銀季內面對輕微淨利息收益率壓力,手續費收入表現穩健,貸款及存款增長動力仍可維持,第三季資產質素亦有所改善,資本水平亦提升。該行籲買入被低估的高質素內銀,H股推薦買入郵儲行及招行(03968.HK)。
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